In California there are several good dental plans to choose from when shopping for your family. Some of these plans tend to be a bit confusing as most of them are based on Network Providers to provide the substantial savings most Californian’s seek. The traditional PPO style dental plans are very popular and work great – as long as your within a fairly large network area so you have some choice in terms of your dental provider. With National General you have both options to help you meet your families dental needs.
Fixed Benefit Dental Plan
One of the more popular plans to come to market in the past few years is what the industry refers to a “Fixed Benefit Dental Plan”. There are so many places across this country where a solid PPO Network does not exist and in some cases not at all. This is where the Fixed Benefit Dental plans come in. The benefits are paid directly to you based on the schedule for the plan enrolled in giving you complete freedom to shop your dental care.
In addition these plan types give you the ability how and who receives the benefits under the plan. In some cases people prefer to have their dental benefits paid directly to the provider rather than to them. This is helpful in that if the dental provider will allow this you will have less out of pocket when you leave the office. However once you assign these benefits to your dental office they know exactly what they can and cannot charge you. Being able to keep the benefit structure to yourself does allow you to negotiate from the strength of a cash position which in many cases can work in your favor.
National General offers a Fixed Benefit dental plan which pays you a fixed amount for each dental procedure. The plan works two ways; either you can see “any” dentist and National General will send you the fixed benefit amounts for the procedures you received. You simply submit your claims and receive reimbursement for those services paid for. National General also offers a new benefit for additional savings giving you the freedom to choose a dental provider of your choice or one within the National Careington Maximum Care Dental Network. For an additional $3 per month per insured you can now add this option allowing you to see a dentist within the “Careington” dental network and have your total procedure cost reduced by 25% – 45%, plus receive the reimbursed “fixed benefit” amount which is mailed directly to you.
Simple, Affordable, Good for your Health
- CA$H benefits
- No waiting periods for check-ups – you get $100 for a visit every six months
- Get a set cash amount for each dental treatment such as extraction or a filling.
- Visit any dentist – no network restrictions.
- Receive cash benefits directly, or allow your dentist to submit the claim and receive the payment.
- In most states, apply for coverage through age 70, renew up to age 75. (Apply through age 64 and renew up to age 70 in CO, MA, MD, NC, NJ, OH, SD and UT.)
Careington Network Savings Card Saves Money
Get Discounts on:
- Routine oral exams and cleanings
- Major work such as dentures, root canals and crowns
Network Savings Card includes a discount-vision program to help save on eyecare and eyewear. Card Holders get:
- One rate $50 for eye exams
- 15% savings on contact lens exams
- Special pricing on omplete pairs of glasses and sunglasses
The National General dental plans provide coverage for individuals and families between the ages of 18 – 70.
National General sends you a check in the amounts below for the following dental procedures (Any dentist of your choice). However you can also have your dental benefits assigned to your dentist – the choice is yours.
Sample Savings Example
Getting a crown is considered a Major Dental service, which is covered under the PLUS Level plan. If you need one, the average price for getting a crown is about $1,332 as measured across major metropolitan areas across this country.. Combining this Dental plan with the Careington Network Savings Card can significantly reduce this cost and save your bank account from financial shock. Take a look…
Careington Network Sample Savings
|Description||*Regular Cost||**Plan Cost||Savings $||Savings %|
|Four Bitewing X-rays||$80||$38||$42||52%|
|Crown (porcelain fused noble metal)||$1,332||$742||$590||44%|
|Complete Upper Denture||$1,911||$985||$926||48%|
|Molar Root Canal||$1,299||$718||$581||45%|
|Extraction (single tooth||$221||$100||$121||55%|
|* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2013. FairHealth Report in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.
** These fees represent the average of the assigned Careington Care Series fees in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.
**Prices subject to change
|STATES AVAILABLE: Arizona, California, Florida, Montana, North Carolina, Texas, Wyoming|
|National General Dental Indemnity Plan|
|Preventive Services: INCLUDES:cleanings, exams, x-rays, fluoride and sealants. Two visits per person each policy year, separated by at least 150 days.||$100/visit||$100/visit|
|Basic Services – payments are 50% of the listed benefit in the first policy year and 100% thereafter.|
|Denture Adjustment and Repair||$55-$350/service||$55-$350/service|
|Major Services: In most states there is a 180-day waiting period on major services. After the waiting period, payments are 50% off per-service benefit for the remainder of the first policy year. After the first year, payments are 100% of the per-service benefit. **The 180 day waiting period applies in all states except KS||N/A|
|Annual Maximum Benefit: The maximum calendar-year benefit for Basic and Major services. Preventive services benefits do not take away from Basic services benefits||$1,000||$1,500|
|Download Dental Brochure|
How to Enroll in National General Live (Online)
- Click the QUOTE/PURCHASE button above
- Enter Resident Zip Code and Requested Effective Date
- Enter Family Demographics and advance to next page
- This page lists all supplemental plans available – scroll down page and FIND DENTAL INDEMNITY Click Green SELECT PLAN button
- Scroll back to top right of page and you will see PLAN SELECTION with the ENROLL NOW button. Click it and ENROLL ONLINE